Waiver vs Estoppel On the Insurance Exam

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Hi, I am Melissa, the Insurance Exam Queen. I’m the most requested Exam Prep Instructor in the U.S. and have helped thousands of people pass their Property & Casualty and Life & Health insurance exam with ease.
With a long string of ONLY 5 star reviews, I've become known for my casual and simple teaching style, and my students love the fun memorization techniques, charts, graphs and other visual aides I use to help you understand the material.
Most of my students pass their 1st or next time after going through one of my Class Series Packages. I simplify everything, tell you what to study, and even include everything from Study Notes to my own personal Practice Test to help you focus ONLY on what you need to know in order to pass the test.
View my packages here: www.insuranceex...
Join my free support group here: / 10820. .
Subscribe to my KZbin Channel: www.youtube.co....
If you love ALL the fun details and back story...keep reading.
In my years of working for companies like United Healthcare and Hagerty where I was the most requested instructor, I determined the quickest way to pass the state licensing insurance exam.
My method is to focus on the most tested topics for all four state licensing exams (Property & Casualty, and Life & Health) and knowing and understanding the most tested topics instead of memorizing practice exam questions. (Tip: You should not be doing quizzes or practice exams very much and if you are- STOP. The questions in your course will not be the same questions on your exam.)
Knowing and understanding the material will serve you far better than multiple hours doing practice questions, which is why my class series packages (see link below) have seriously become a GAME CHANGER for securing that pass!
I get numerous messages each day from delighted students who passed their test after watching my videos and taking my courses that explain how to pass the Property & Casualty and Life & Health state insurance exams in the simplest of terms.
I would love to help you secure your pass!
Here is the link to view all of my packages: www.insurancee...
My FaceBook Group is a great resource as well: / 10820. .
Subscribe to my KZbin Channel: www.youtube.co....
Thank you for viewing and subscribing, and I look forward to seeing you in my Facebook group or in one of my Class Recording packages!

[@parishwoodworksLLC]

WELL ... third time was a charm and I PASSED!!! 102 , 98 , and today 111 ... I'm so proud of myself for sticking with it and thankful for every single video you put out, I also read all of your notes, and played the Kahoot games this morning. All of your resources are the reason I was able to pass. If you do a registry I hope you will let us all know. I'd love to send you a gift for your sweet girl when she gets here.

[@insuranceexamqueen]

Yes! Congrats!! I would love a five-star review that mentions your state and your exam if you are able: g.page/r/CZcozaK-XyddEAI/review

[@Lady_Lotus13]

Just passed my test on the FIRST try because of this lovely lady and her idiot-friendly explanations. Thanks Melissa for the awesome content 🎉🥳🎉

[@insuranceexamqueen]

Yes! Congrats!! If you used my material, free or paid, or got support here in the group, I would love a five-star review that mentions your state and your exam if you are able: g.page/r/CZcozaK-XyddEAI/review

[@thierrypierrelouis722]

Your explanations are amazing

[@insuranceexamqueen]

Thank you! 😃

[@HappyKillmoree]

In the middle of taking a P&C pre licensure course with Kaplan. Every time the instructor explains something I don’t understand I go to KZbin type it in and your name pops up every time. You explain things so well, thank you so much! Should just take your course before taking my test…. Thanks for your videos, very helpful.

[@insuranceexamqueen]

Go here, click on recommendations and then scroll to your state to see the most important topics for your exam: www.insuranceexamqueen.com/

[@Stoneshomesandloans]

Thanks for this explanation

[@insuranceexamqueen]

My pleasure

[@LaurenLLorenzo]

You are truly a Godsend! I can not wait until I pass this state (NJ) exam on May 9th.. and start earning real income to help you in (any way I can) with your home renovation ❤ sending YOU all the positive vibes ✨✨✨✨on your new journey of being a mommy

[@FaraSmith-s5q]

Hi! Good Luck! Which test are you taking? I am taking my health test 5/6.

[@insuranceexamqueen]

Awww thank you! I am glad the videos are helpful! keep that positive mindset! Which exam?

[@budomushin]

I'm actually doing business law and this has been very helpful. You're bless with the gift of teaching

[@insuranceexamqueen]

Thank you!

[@cynthiamejia4739]

I had no idea how to answer this when it came up thank you for going through it

[@sairaimam5907]

Thank you -? My confidence is gained back just because of you !

[@insuranceexamqueen]

Glad to hear that!

[@toni7808]

in law school and studying for insurance law exam, this was SOOOOOOOOOOOO helpful! I have not found a better response ANYWHERE! thank you very much ma'am!

[@insuranceexamqueen]

Glad it was helpful.

[@michaelharkey629]

I love your videos they are very helpful i am studying for property and casualty in north carolina thanks for all you do!!

[@insuranceexamqueen]

Hello! I am Melissa, the Insurance Exam Queen. Read this message to know what’s important for your state exam, what you should focus on as you study, how you should study, and how I can help you secure a passing score on your exam! I have helped thousands of people pass their insurance licensing exam. Companies from United Healthcare to Hagerty have requested that I be their instructor for all their new hires in order to secure a pass as quickly as possible. During my years of working for them, and securing high pass rates, I was able to determine the quickest and fastest way to pass the exam. My method is to focus on the most tested topics, and knowing and understanding the most tested topics instead of memorizing practice exam questions. You should NOT be doing quizzes or practice exams very much and if you are- STOP. The questions in your course will not be the same questions on your exam. Knowing and understanding the material will serve you far better than multiple hours doing practice questions which is why my class series recordings make such a difference and why I have over 140 5-Star Reviews on my Google Business Page. My teaching style is very casual, I keep things simple, I use memorization techniques, and I create a lot of charts and graphs as visuals to help you understand the material. Below, I have outlined what is most important for your state exam, and where you should spend your time during your studies. Insurance terms and related concepts, and policy provisions and contract law are two of the simplest chapters to study since they have the least amount of material to study, usually about 20 pages in total for both chapters. It is very easy to grab many points here, then it is to grab them in any of the other chapters. Most of these chapters are definitions that can be easy to memorize when you use my class series. If you have already studied and failed these are most likely the chapters you need help on. For the Types of Property chapter, it can be really difficult to grab many points here because the chapter is so large. You’re reading a hundred pages worth of study, so trying to secure points across hundreds of pages worth of material can be difficult. What I encourage people to do is focus on Dwelling, Homeowners, and Flood. Dwelling and Homeowners can seem difficult to understand but after I break them down in my Royal Treatment Class Series, you’ll see how easy you can get a lot of points in these chapters. You want to focus on Policy names, Policy coverages and amounts, which are named or open peril. There are also math questions related to Property Policies, but you never quite know if you’ll get 0 or 5 questions with math. It won’t break you to fail every math question if you are strong in other areas, but it certainly helps to be prepared for them and I teach them very simply. The math on the exam requires a memorization of insurance rules, coverage amounts, an equation to learn and input into a calculator (most every state allows calculators). All my Royal Treatment Class Series include math examples. For Types of Casualty, this is another hundred page chapter that can be difficult to secure points in, so we focus on Personal Auto and Commercial Auto. Personal Auto is easier, so make that your biggest focus. Memorize the Parts of an Auto Policy, how they respond in an accident and definitions like Split limit and Per occurrence. Umbrella also comes from this chapter too and that’s an easy concept to get points on. All my Royal Treatment Class Series include an Auto and Umbrella Class that tells you what to focus on. Commercial Policies are inside both Types of Property and Types of Casualty. Commercial Policies are hundreds of pages worth of study and content and you don’t need to know it all. All my Royal Treatment Class Series include a Commercial Class that tells you what to focus on with my Gold Series having the most extensive commercial videos including CGL, Workers Comp and Bonds. Lastly, you want to be really decent in state law. Most state exams will have this chapter at around 20% or more of the exam. While every state is different and has different numbers, you need to know which numbers are important, and which things you should memorize from this chapter. I teach that information in my insurance regulations classes which are included in all my Royal Treatment Class Series. So in short, Get My Royal Treatment Class Series of Bronze, Silver, Gold and Platinum all come with 100 days access. Bronze is a Basic Review with 8 hours of class recordings. Silver is a Deeper Review with 14 hours of video. Gold has over 30 hours of the most in depth classes with a more intensive teaching of the topic, plus colorful student notes and practice questions. With Gold, you will also get access to Silver and Bronze! Platinum is Gold + the ability to talk to me daily as you study in Group Tutoring Telegram Group, it’s like having me on speed dial, plus you’ll get free tickets to all P&C Classes during your 100 Days Access. Additionally, there are over 30 extra hours of classes of unreleased exclusive content in the Platinum Membership. You can find everything here: www.insuranceexamqueen.com/ Any Live Classes and Games Nights with Peter Can be found here: www.insuranceexamqueen.com/liveclassschedule If you want One-On-One Tutoring you can book with Peter Here: wkf.ms/3LSJC2B If you need a Study Buddy, you can book with Angela the Ultimate Study Buddy here: calendly.com/ultimatestudybuddy Check out all my Free Resources including Games, my Study Group and Student notes here: www.insuranceexamqueen.com/free-insurance-exam-resources If any of my content has helped you at all, please leave a five-star review here: g.page/r/CZcozaK-XyddEAI/review

[@benojo74]

Your explanation was just on point. Thank you

[@insuranceexamqueen]

Glad it was helpful! Go here, click on recommendations and then scroll to your state to see the most important topics for your exam: www.insuranceexamqueen.com/

[@MajeidaHarvey]

Thanks excellent explanation!😅

[@insuranceexamqueen]

Go here, click on recommendations and then scroll to your state to see the most important topics for your exam, and get Gold for a 90% First Time Pass website. Click this link: www.insuranceexamqueen.com/login It’s a great idea to look at your exam content outline and know the exact percentage of the most tested topics. You can find every state outline under the Files Section of the facebook study group. facebook.com/share/XbF6toywYh315Hca/or State Exam Requirements: prepare2pass.com/requirements Watch the videos on repeat and write down all notes that melissa has provided *We are so excited for you to pass the exam, make sure to trust yourself and listen to this audio to get pumped to. pass! kzbin.info/www/bejne/mGnGnWt3frJqoJI I am sending you all the loves and vibes to pass the exam

[@TheRoamingPrepper]

Great info…I’m working on oil and gas and this is perfect

[@insuranceexamqueen]

Glad it was helpful!

[@evabenedek9575]

Great job explaining. Thank you!

[@insuranceexamqueen]

Glad it was helpful! Go here, click on recommendations and then scroll to your state to see the most important topics for your exam: www.insuranceexamqueen.com/

[@kellyharris7820]

I so needed this video!!! 😊

[@insuranceexamqueen]

Yay!!

[@sourpickles6308]

this helped so much, thank you

[@insuranceexamqueen]

Glad it helped! Go here, click on recommendations and then scroll to your state to see the most important topics for your exam: www.insuranceexamqueen.com/

[@tintinu1]

Thanks

[@lloydtubman4631]

Good Morning My name is Lloyd , im out of TN I love your Videos , Thanks to you I passed my property section of my P&C insurance so far and with out feeling like I have to read the whole book over again, can you please tell me what section I need to focus on to pass my Casualty section for TN? please and thank you. i would like to contribute to your work as well just dont know how on youtube.

[@insuranceexamqueen]

Hello! I am Melissa, the Insurance Exam Queen. Read this message to know what’s important for your state exam, what you should focus on as you study, how you should study, and how I can help you secure a passing score on your exam! I have helped thousands of people pass their insurance licensing exam. Companies from United Healthcare to Hagerty have requested that I be their instructor for all their new hires in order to secure a pass as quickly as possible. During my years of working for them, and securing high pass rates, I was able to determine the quickest and fastest way to pass the exam. My method is to focus on the most tested topics, and knowing and understanding the most tested topics instead of memorizing practice exam questions. You should NOT be doing quizzes or practice exams very much and if you are- STOP. The questions in your course will not be the same questions on your exam. Knowing and understanding the material will serve you far better than multiple hours doing practice questions which is why my class series recordings make such a difference and why I have over 140 5-Star Reviews on my Google Business Page. My teaching style is very casual, I keep things simple, I use memorization techniques, and I create a lot of charts and graphs as visuals to help you understand the material. Below, I have outlined what is most important for your state exam, and where you should spend your time during your studies. Insurance terms and related concepts, and policy provisions and contract law are two of the simplest chapters to study since they have the least amount of material to study, usually about 20 pages in total for both chapters. It is very easy to grab many points here, then it is to grab them in any of the other chapters. Most of these chapters are definitions that can be easy to memorize when you use my class series. If you have already studied and failed these are most likely the chapters you need help on. For the Types of Property chapter, it can be really difficult to grab many points here because the chapter is so large. You’re reading a hundred pages worth of study, so trying to secure points across hundreds of pages worth of material can be difficult. What I encourage people to do is focus on Dwelling, Homeowners, and Flood. Dwelling and Homeowners can seem difficult to understand but after I break them down in my Royal Treatment Class Series, you’ll see how easy you can get a lot of points in these chapters. You want to focus on Policy names, Policy coverages and amounts, which are named or open peril. There are also math questions related to Property Policies, but you never quite know if you’ll get 0 or 5 questions with math. It won’t break you to fail every math question if you are strong in other areas, but it certainly helps to be prepared for them and I teach them very simply. The math on the exam requires a memorization of insurance rules, coverage amounts, an equation to learn and input into a calculator (most every state allows calculators). All my Royal Treatment Class Series include math examples. For Types of Casualty, this is another hundred page chapter that can be difficult to secure points in, so we focus on Personal Auto and Commercial Auto. Personal Auto is easier, so make that your biggest focus. Memorize the Parts of an Auto Policy, how they respond in an accident and definitions like Split limit and Per occurrence. Umbrella also comes from this chapter too and that’s an easy concept to get points on. All my Royal Treatment Class Series include an Auto and Umbrella Class that tells you what to focus on. Commercial Policies are inside both Types of Property and Types of Casualty. Commercial Policies are hundreds of pages worth of study and content and you don’t need to know it all. All my Royal Treatment Class Series include a Commercial Class that tells you what to focus on with my Gold Series having the most extensive commercial videos including CGL, Workers Comp and Bonds. Lastly, you want to be really decent in state law. Most state exams will have this chapter at around 20% or more of the exam. While every state is different and has different numbers, you need to know which numbers are important, and which things you should memorize from this chapter. I teach that information in my insurance regulations classes which are included in all my Royal Treatment Class Series. So in short, Get My Royal Treatment Class Series of Bronze, Silver, Gold and Platinum all come with 100 days access. Bronze is a Basic Review with 8 hours of class recordings. Silver is a Deeper Review with 14 hours of video. Gold has over 30 hours of the most in depth classes with a more intensive teaching of the topic, plus colorful student notes and practice questions. With Gold, you will also get access to Silver and Bronze! Platinum is Gold + the ability to talk to me daily as you study in Group Tutoring Telegram Group, it’s like having me on speed dial, plus you’ll get free tickets to all P&C Classes during your 100 Days Access. Additionally, there are over 30 extra hours of classes of unreleased exclusive content in the Platinum Membership. You can find everything here: www.insuranceexamqueen.com/ Any Live Classes and Games Nights with Peter Can be found here: www.insuranceexamqueen.com/liveclassschedule If you want One-On-One Tutoring you can book with Peter Here: wkf.ms/3LSJC2B If you need a Study Buddy, you can book with Angela the Ultimate Study Buddy here: calendly.com/ultimatestudybuddy Check out all my Free Resources including Games, my Study Group and Student notes here: www.insuranceexamqueen.com/free-insurance-exam-resources If any of my content has helped you at all, please leave a five-star review here: g.page/r/CZcozaK-XyddEAI/review

[@ErikaDennis-dg7qj]

Hello, will all the topics you cover here on your you-tube channel be on the Texas all-lines exam? So far, I’ve watch a number of your videos, but wondering if there are any topics that may not be covered on the exam.

[@insuranceexamqueen]

Pretty much all the videos in the PC/personal lines and general will apply to you. Have you seen my Gold package? Many people on my Google review page site only using my gold to study and being able to pass.

[@ErikaDennis-dg7qj]

@Insurance Exam Queen Thank you so much for the info! I haven't seen your gold package yet. I'm not too you-tube savvy. Where can I find your gold package?

[@ErikaDennis-dg7qj]

Also....thank you soooo much for your QUICK response!!!!

[@annieandme3106]

I failed 3 times now I feel bad

[@insuranceexamqueen]

It's so normal to fail, give yourself grace!!! Go here, click on recommendations and then scroll to your state to see the most important topics for your exam: www.insuranceexamqueen.com/